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Fixed Term Deposit Accounts

Lock in great rates with a Bankinter Fixed Term Deposit

Best fixed term deposit rates in Ireland ¹

6 month term deposit

2.70% p.a¹ 2.72% AER²

Choose the right Deposit Account for you:

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6 month fixed term

2.70% p.a

2.72% AER

Term: 6 months
Deposit from €2,000 to €2 million.
Fixed interest is paid on maturity
Access up to 25% of your funds after 8 weeks.

Apply Now (6 month fixed term)

12 month fixed term

2.30% p.a

2.30% AER

Term: 12 months
Deposit from €2,000 to €2 million.
Fixed interest is paid on maturity
Access up to 25% of your funds after 8 weeks.

Apply Now (12 month fixed term)

On completion of your application for a Bankinter Deposit account, you will need to download our app to manage your account

Opening a Fixed Term Deposit Account

Choose the term and rate that works best for you.
Decide how much you want to invest.
Easily set up your deposit account online.
Deposit your lump sum via a one-off direct debit transfer from your preferred current account into your new Fixed Term Deposit Account.
Download the Bankinter app to manage your Fixed Term Deposit Account.

Deposit account management & maturity

Use your Bankinter mobile app to manage your account, receive notifications & secure messages throughout your deposit term.
During the fixed term period, the account cannot be closed and withdrawals are restricted to a one-time withdrawal of up to 25% of the account balance, after the initial 8 weeks.
We’ll contact you ahead of maturity outlining your options for the end of your chosen fixed term.
If no instructions are provided by you at maturity, your funds will remain in a holding account at a 0% interest rate, until instructions are provided.

What is the interest rate?

Rates for accounts opened or reinvested from 1^st June 2026 are:

Product

Term

Deposit amount

Interest rate

AER

Gross Interest at maturity %

6 Months Fixed

6 Months

€2,000 - €2 million

2.70 %

2.72 %

1.35 %

12 Months Fixed

12 Months

€2,000 - €2 million

2.30 %

The interest is fixed and paid directly into the account to fund your deposit.
A.E.R. is the Annual Equivalent Rate and shows what the interest rate would be if the interest was compounded and applied each year (instead of monthly or over any other period).
Interest is subject to Deposit Interest Retention Tax (DIRT), where applicable, at the prevailing rate on the day interest is paid. For more detailed information on DIRT, visit the Revenue site
Customer deposits up to a maximum value of €100,000 per person per institution are protected by the Deposit Guarantee Scheme.Learn more about the Deposit Guarantee Scheme (DGS)

Useful Information

Tax Information Reporting

Deposit Interest Retention Tax (DIRT)

Deposit Account Terms and Conditions

Deposit Guarantee Scheme

Frequently Asked Questions

What is a Fixed Term Deposit account ?

With a Fixed Term Deposit Account from Bankinter, you lock in a guaranteed fixed interest rate for a set period, so you know exactly what your returns will be at the end of the term. All you need to do is make a one-time deposit payment and leave it until your term ends.
With a fixed term deposit, you can’t make regular deposits, and full withdrawals before the term ends are not allowed.

How to open a fixed term deposit account ?

You can open a fixed term deposit account online from Bankinter in your own name in just a few easy steps. Just select one of the deposit products above to get started.

How many Personal Fixed Term Deposit accounts can I open?

At Bankinter, we reserve the right at any time to not open an additional account(s) where you already hold an account, or to limit the number of accounts you are permitted to hold.

How do I put money into my Personal Fixed Term Deposit Account?

Your deposit will be collected by a one off direct debit from your current account information provided in the application process.

Can I take money out of my Fixed Term Deposit Account?

We allow 1 withdrawal of up to 25% of the funds in your account after the initial 8 weeks.

All our frequently asked questions about Save and Invest

Save and Invest FAQs

Important information

Legal text, Note: ¹ Interest rate is correct as of 01/06/2026 and is subject to change (Source CCPC.ie) excludes EU banks not regulated in Ireland. Limited offer rate ends 14^th July 2026. Please note, Interest is subject to Deposit Interest Retention Tax (DIRT), where applicable, at the prevailing rate on the day interest is paid. For more detailed information on DIRT, visit the Revenue site.
Legal text, Note: ² A.E.R. is the Annual Equivalent Rate and shows what the interest rate would be if the interest was compounded and applied each year (instead of monthly or over any other period).